How To Pick A Health Plan When Every Option Looks Worse
The cheapest premium and the cheapest plan are almost never the same thing. Add the premium, the deductible and the out of pocket maximum for each option and the comparison stops being a guess.
Topic
insurance
Term vs Whole Life: Why One Costs 8 Times More
One is insurance. The other is insurance bolted to an investment account with commissions taken out of the front. Separating them makes the price difference legible instead of suspicious.
The HSA Is A Retirement Account Wearing A Health Plan
Money goes in untaxed, grows untaxed and comes out untaxed for medical costs, which no other account in America does. Then almost everybody leaves it in cash and spends it on this year's dentist.
The First Week After You Lose Your Job: 3 Clocks
Most of what needs doing can wait a month. Three things cannot, and they are all on clocks that start running the day the coverage ends.
The 7 Costs A Mortgage Calculator Does Not Show You
Principal and interest is where the calculator stops. Seven other costs arrive every month anyway, and together they run about half as much again.
PMI And The 20% Down Rule That Was Never A Rule
Private mortgage insurance on a $360,000 loan at 0.6 per cent a year is $180 a month, and on the original schedule it runs about ninety-five months before you can ask for it to stop. That is $17,100 to not wait three years.
Renters Insurance And The Umbrella Policy Above It
Two of the cheapest policies you can buy cover two of the few events that can actually take everything. Most people under 35 have neither.
What Disability Insurance Actually Pays You
Disability insurance is the coverage almost nobody thinks about and almost everybody would need first. Most people have some through work and could not tell you what it pays.
Compound, weekly
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